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Can I get buildings insurance without a completion certificate?
Comments
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It is a common misconception that if a question is not on a proposal.form then you don't need to bother with it.
Yes there is no 'is there a completion certificate' question on an insurance proposal form, but you MUST inform them of any material fact that you know of that might affect the risk.
You know there is no completion certificate and thus you have absolutely no idea if the work was done to standard.
If you didn't inform the insurance company then they could (and would, guven half a chance) deny a future claim.0 -
No, that's no longer a concept which applies to consumer contracts with insurers. They need to actually ask you rather than expect consumers to know what they'd care about.km1500 said:
you MUST inform them of any material fact that you know of that might affect the risk.
(leaving aside the question of whether it's material in the first place).0 -
This was changed about a decade ago. You now have no requirement to inform them about a risk and they must now ask you the question. If they don't ask the question, they cannot refuse a claim on the grounds they didn't know.km1500 said:It is a common misconception that if a question is not on a proposal.form then you don't need to bother with it.
Yes there is no 'is there a completion certificate' question on an insurance proposal form, but you MUST inform them of any material fact that you know of that might affect the risk.
You know there is no completion certificate and thus you have absolutely no idea if the work was done to standard.
If you didn't inform the insurance company then they could (and would, guven half a chance) deny a future claim.
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Hi,
This is no longer true and hasn't been for at least 6 years.km1500 said:It is a common misconception that if a question is not on a proposal.form then you don't need to bother with it.
[...]
As others have pointed out but I will reiterate here because it is important, the concept of utmost good faith was abolished (certainly with respect to consumer insurance contracts at least) by the Insurance Act 2015 on 12th August 2016.
You are only required to answer the questions you are asked truthfully in order for the insurance to be valid.
There is no longer a requirement for you to disclose anything and everything which might be relevant, only to answer the questions you are asked.0
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